That’s why Farmers® offers small business general liability insurance, which can help with challenging situations and the associated costs of legal defense and legal damages, up to policy limits selected for covered claims.
Because every Farmers agent is also a small business owner, each one has an understanding of some challenges faced by small businesses like yours. They can offer insights and discuss commercial general liability insurance options as you choose customizable coverage options for your company.
Here are some business liability risks you may want to manage — and potential solutions:
Injuries
Risk:
A customer trips on a fixture at your business and is injured.
Coverage:
Premises and operations insurance can help with hospital bills and damages — as well as coverage for your business if the customer sues for negligence.
Lawsuits
Risk:
A former client files and wins a lawsuit over work performed by your company.
Coverage:
Products and completed operations insurance can help with the defense costs and — in some cases — the legal damages for which you may be responsible.
Data breaches
Risk:
You lose confidential business and customer data when your computer system is hacked.
Coverage:
Cyber liability and data breach can help provide you with legal and forensic assistance to attempt to recover stolen data, as well as ongoing data security consultation to help you manage cyber risks.
Disgruntled employees
Risk:
A disgruntled former employee — or even an applicant you didn’t hire — brings a legal action against your company.
Coverage:
Employment Practices Liability can help cover your business entity, directors and employees if you are accused of wrongful termination, harassment, discrimination or other employment-related offenses.
Some popular business insurance options
General liability coverage is just one component in a full menu of business insurance available from Farmers. Your agent can also discuss coverage options for other possible risks like:
Risk:
Coverage:
A small fire in your shop’s work area causes structural damage and destroys inventory.
Business property insurance can help provide coverage to help your business recover from unexpected damages due to covered perils.
While momentarily distracted, your delivery driver has a fender bender in a parking lot.
Commercial auto insurance can help provide coverage for bodily injury or damage to other vehicles and property for which you or your employees are legally responsible.
You discover an employee has been stealing cash from the register.
Commercial crime insurance can help provide coverage for your business in the event of a crime.
Risk:
A small fire in your shop’s work area causes structural damage and destroys inventory.
Coverage:
Business property insurance can help provide coverage to help your business recover from unexpected damages due to covered perils.
Risk:
While momentarily distracted, your delivery driver has a fender bender in a parking lot.
Coverage:
Commercial auto insurance can help provide coverage for bodily injury or damage to other vehicles and property for which you or your employees are legally responsible.
Risk:
You discover an employee has been stealing cash from the register.
Coverage:
Commercial crime insurance can help provide coverage for your business in the event of a crime.
Farmers Works to Build Strong Customer Relationships
Farmers has spent 90 years putting customers first. Are you shopping for commercial insurance coverage, or do you have a question about your policy? Maybe you’re ready for a small business insurance quote. Be sure to let a Farmers agent deliver personalized service and support.
You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.
Contact an agent today to discuss how Farmers can help you manage your commercial liability risks.
Customizable options, personalized advice.
Talk to a Farmers® agent about business general liability insurance services.
Learn From Experience
Expand your knowledge base with articles relevant to you.
What is a Business Owners Policy?
A Business Owners Policy (BOP) combines the major property and liability coverages into one insurance policy.
Who is Covered by My Business Insurance?
Your business policy can cover a wide range of people who have an interest in your company or perform work on its behalf. The coverage provided by your policy helps you protect yourself and others with an ownership stake in the company. In other words, a single business policy can cover the interests of all owners.
What Does Business Liability Insurance Cover?
Congratulations on the new business! Looking into business insurance options is a smart move. Business liability insurance coverage can help you pay legal costs when someone — such as a customer or visitor — is hurt or suffers property damage and blames you and your business. If your company is found to be at fault, your business is legally responsible for the costs.
